When it comes to pet insurance, you want a provider that offers real value, flexible coverage, and hassle-free claims. Embrace Pet Insurance has built a reputation as one of the most comprehensive and transparent pet insurance providers available. But does it truly live up to the hype? Let’s take a deep dive into what makes Embrace stand out.
We’ll start with a general overview of how it works & what it covers. Then, we’ll go through the process of getting a quote so you can see how easy it is (and get a basic idea of what to expect pricewise).
Embrace Pet Insurance offers comprehensive coverage with up to 90% reimbursement on vet bills, customizable plans, and a $100 annual deductible option. Covers accidents, illnesses, genetic conditions, prescription meds, and more. Choose any vet nationwide, enjoy fast claims processing, and get a 10% multi-pet discount. Instant quotes, no gimmicks!
Why Choose Embrace Pet Insurance?
With over half a million pets protected, Embrace Pet Insurance is trusted by pet parents nationwide. From routine wellness coverage to emergency care, their customizable plans ensure that your furry friend gets the best possible treatment without breaking the bank. Here are some standout features that make Embrace a top choice:
✅ Paid 92% of All Claims in 2023
A pet insurance policy is only as good as its claims process, and Embrace excels in this department. In 2023, they paid out 92% of all claims, proving their strong commitment to covering pet health expenses promptly and fairly.
✅ Instant Quotes, Immediate Peace of Mind
Getting pet insurance should be quick and easy. With Embrace, you can receive an instant quote online without waiting days for a response. The entire process takes less than 5 minutes.
✅ Visit Any Vet, Any Specialist – Nationwide
One of the biggest benefits of Embrace is that it allows you to choose any licensed vet, emergency clinic, or specialist across the country. Whether you’re at home or traveling, your pet’s healthcare is covered.
✅ Annual Deductible – Not Per Incident
Unlike some pet insurance providers that charge a deductible per incident, Embrace offers an annual deductible as low as $100. This means once you hit your deductible for the year, you won’t have to pay it again, no matter how many claims you submit.
✅ Get 90% Back on Unexpected Vet Bills
Vet bills can be expensive, but with Embrace, you can get up to 90% reimbursement on covered expenses, significantly reducing your out-of-pocket costs.
✅ Save 10% with Multi-Pet Discount
If you have more than one pet, Embrace rewards you with a 10% multi-pet discount, making it easier to insure all your furry family members without breaking the bank.
✅ Unlimited Reimbursement Available
Worried about reaching a coverage cap? With Embrace, you have the option to choose unlimited reimbursement, ensuring that your pet’s medical needs are covered without limits.
What’s Covered? Comprehensive and Transparent Policies
Many pet insurance companies have hidden exclusions or unclear policies, but Embrace provides straightforward, comprehensive coverage for a variety of conditions, treatments, and emergencies:
✔ Accident and Illness Exam Fees – Covered. Many pet insurance companies don’t include these, but Embrace does.
✔ Prescription Medication Coverage – Included, so you don’t have to pay extra.
✔ Comprehensive Cancer Treatment Coverage – From diagnosis to treatment, your pet is covered.
✔ Chronic Conditions Covered at No Extra Cost – Conditions like diabetes and arthritis are covered for life.
✔ Dental Trauma Care – Fully covered, which is a rare but valuable feature.
✔ Genetic and Breed-Specific Conditions – No exclusions based on breed-related predispositions.
✔ Specialist and Alternative Therapies – Includes treatments like acupuncture, hydrotherapy, and physiotherapy.
✔ Emergency Care, 24/7 – Covers ER visits and after-hours veterinary care.
✔ Portable Coverage – If you move, your pet’s coverage moves with you. No need to change providers.
✔ Flexible Deductibles – Tailor your plan to fit your budget with a range of deductible options
How Much Does Embrace Pet Insurance Cost?
As with ALL insurance, your final cost depends on a lot of factors. In this case, your dog’s age, breed, your location, and the optional add-ons that you choose. I’ll walk you through the whole process with my dog Freya first. Afterward, we’ll do some comparisons for other breeds and ages.
Step 1: Add your pet’s information
You’ll start the process by letting Embrace know about your pet (or pets). To keep things simple, I only did a quote for my dog this time. Oh, I left my email off the screenshot for privacy reasons. 😀 Obviously, I filled that in before moving to the next step.
Before we move on to the next step, I just want to make sure you notice that if you’re current or former military, you can get a 5% discount. That’s awesome!
Step 2: Customize your basic plan
Once you submit your pet’s information, you’ll see a quote based on the lowest reimbursement limit/percentage and the highest deductible.
You can play with the settings and create any combination of the three to customize your plan. Here’s a look at what it would cost if I went with unlimited reimbursement at 90% and a $100 deductible:
As you can see, there is a HUGE difference between the lowest and highest plan. Let’s just pretend I went with the lowest for now.
Step 3: Choose optional coverage
Scroll down past the basic plan details and you’ll see two add-on options. The price shown above in my screenshot is based on the lowest plan. If you opt for a higher-priced plan these will increase as well. At the highest tier they would run me $29.22 for the exam fees and $31.16 for the prescriptions.
I opted to leave these turned off. I think that $5.81 and $6.20 a month is reasonable for these add-ons, but once you start getting into $20+ for them you’ll really need to do the math to decide if you’ll pay more than you get back. If your dog has one covered incident each year with an exam fee of $100, you’re basically losing $140.
Same with meds, especially since you don’t HAVE to go through your vet to get medications. Most human pharmacies sell pet medications and allow you to use a prescription discount card for them.
That said, if you foresee your dog needing to go to the vet multiple times over the year for covered incidents (which, fyi, include cancer treatments and chronic conditions), it’s still worth it at the higher price.
Step 4: Decide if you want Wellness Rewards for routine care
This step seems a little confusing at first, but it’s actually pretty straight-forward. It’s like having the money to pay for things like wellness exams, flea and tick meds, vaccines, and so on upfront and then paying it off throughout the year. Except it’s better because a) you’re not paying interest on the money and b) you actually get $25 MORE than the amount you put into it. You don’t HAVE to use it all upfront, though. You can also think of it as “pre-paying” for the things you know you’ll need.
Step 5: Review your plan summary and check out
This one is pretty self-explanatory. Here you can see a breakdown of what I chose and how much I would need to pay today if I went the plan. While I don’t love the one-time administration fee, it’s fairly common with all pet insurance brands.
That’s it! The whole process took less than 5 minutes. That includes the time I spent taking screenshots for you. Now, let’s look at some different breeds and ages based on the same location.
| Breed | Age | Lowest Plan | Highest Plan |
|---|---|---|---|
| Mixed Breed – Toy | 5 | $15.34 | $77.15 |
| Mixed Breed- Medium | 2 | $14.47 | $72.80 |
| Mixed Breed – Large | 1 | $18.87 | $94.93 |
| German Shepherd | 6 | $34.50 | $173.57 |
| Golden Retriever | 4 | $26.45 | $133.07 |
Is Embrace Pet Insurance Worth It?
If you’re looking for a reliable, flexible, and transparent pet insurance provider, Embrace is a top-tier choice. With no gimmicks, excellent reimbursement rates, broad coverage, and flexible plans, it’s easy to see why pet owners across the U.S. trust Embrace with their pets’ health.
Let’s just run down the pros and cons one more time. We talked about most of these above in more detail but sometimes it just helps to see them in handy-dandy bullet-point format. 😀
Pros
✔ High claims approval rate (92% in 2023)
✔ Choose any vet or specialist nationwide
✔ Covers accidents, illnesses, genetic conditions, and chronic diseases
✔ Prescription meds and alternative therapies included
✔ Annual deductible (not per incident)
✔ 90% reimbursement available
✔ Unlimited coverage options
✔ Fast, hassle-free claims process
✔ Multi-pet discount (10%)
✔ Free 24/7 pet health line
Cons
✖ Does not cover pre-existing conditions (like most pet insurers)
✖ Wellness plans are an optional add-on, not included in standard coverage
✖ Pricing varies by breed, age, and location
Final Verdict: Highly Recommended
For pet parents who want comprehensive coverage, customizable plans, and a no-nonsense claims process, Embrace Pet Insurance is one of the best options available. Whether you need coverage for emergencies, chronic conditions, or routine vet visits, Embrace provides peace of mind and financial security when you need it most.
Get an instant quote today and see why Embrace is a top-rated choice for pet insurance!
Embrace Pet Insurance offers comprehensive coverage with up to 90% reimbursement on vet bills, customizable plans, and a $100 annual deductible option. Covers accidents, illnesses, genetic conditions, prescription meds, and more. Choose any vet nationwide, enjoy fast claims processing, and get a 10% multi-pet discount. Instant quotes, no gimmicks!
*Disclaimer: Pet Health Insurance is administered by Embrace Pet Insurance Agency, LLC (Lic. No 0G89328) and underwritten by one of the licensed insurers of American Modern Insurance Group, Inc., including American Modern Home Insurance Company d/b/a in CA as American Modern Insurance Company (Lic. No 2222-8) and American Southern Home Insurance Company. Coverage is subject to policy terms, conditions, limitations, exclusions, underwriting review, and approval, and may not be available for all risks or in all states. CareCredit is a credit product offered by Synchrony Bank. Embrace does not own, administer, or make decisions regarding CareCredit. An affiliate of Synchrony Bank holds a minority equity interest in an affiliate of Embrace. For full terms and conditions, visit www.embracepetinsurance.com/coverage/embraceterms Premiums are based on the current age of your pet. Premium may increase due to the age of your pet at renewal. Initial premiums may be impacted by the species or breed of your pet. Premium may change based on your home address. *Wellness Rewards is offered as an optional membership plan, non-insurance benefit administered by Embrace Pet Insurance Agency, LLC in the United States. Wellness Rewards not available in RI. (c) 2024 American Modern Insurance Group, Inc.
